Rockford Mutual vs. State Farm: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, State Farm offers slightly more affordable prices than Rockford Mutual
• Rockford Mutual has less expensive rates for policyholders who haven't received any speeding tickets or been in an accident in the last few years
• State Farm offers cheaper average prices for drivers who have received a ticket within the last few years

Rockford Mutual vs. State Farm: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Rockford Mutual or State Farm, but which one will offer you more affordable premiums?

Looking at the national average rates for both companies, State Farm is about $11 per month less expensive than Rockford Mutual.

That being said, that doesn't necessarily mean State Farm will be the more affordable option for every driver. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like your age, your driving record, where you call home, or even your credit score (among other things), so rates will change quite a bit from person to person.

Wanting to know if Rockford Mutual or State Farm is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Rockford Mutual or State Farm: Average Car Insurance Rates by State

Rockford Mutual and State Farm only compete against each other in two states, with State Farm offering less expensive rates to the average driver in all of them. Illinois has the most noticable difference, where State Farm prices are over 60% cheaper than auto insurance rates at Rockford Mutual.

There's a lot more that goes into your insurance payment than just your home state. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any group out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

However, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of nearly $70 less a month by choosing State Farm over Rockford Mutual.

But with both companies, you'll see your premiums lower significantly once you turn 25. For example, average prices for Rockford Mutual policyholders drop more than 65% and State Farm's rates decrease almost 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest auto insurance premiums out there. After all, they've likely been driving for quite some time, which typically reduces their chances of accidents and other infractions that can increase prices.

When looking at Rockford Mutual and State Farm specifically, which carrier is best for retired drivers? State Farm gets the slight edge, with premiums for drivers 65 and older $7 less expensive than the national average for Rockford Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be more affordable for married policyholders than they are for single policyholders. That's because policies for married couples normally cover multiple cars, which many carriers will offer you a discount for.

When it comes to relationship status, State Farm is the clear winner for those who are single, with rates around $22 per month cheaper than Rockford Mutual, on average. It's not quite so glaring for married drivers, where drivers who use Rockford Mutual save about $2 a month.

Rockford Mutual vs. State Farm: Average Rates by Gender

Men are statistically more likely than women to get speeding tickets and get into accidents, which means they'll usually end up paying more for insurance than women.

Usually, men see prices over $15 per month higher with Rockford Mutual, and around $12 more with State Farm.

When it comes to the most affordable premiums for each gender, State Farm offers the cheapest average rates for both men and women. On average, women save about $9 a month and men save about $13 with State Farm compared to the average Rockford Mutual policyholder.

Rockford Mutual or State Farm: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, auto insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which normally refers to having comprehensive and collision coverages in addition to what you get with a liability policy).

In this case, Rockford Mutual offers the lowest average prices for state minimum limits for liability insurance, while State Farm has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $10 with Rockford Mutual Insurance Company, while full coverage comes out to be around $35 less expensive with State Farm.

Is Rockford Mutual or State Farm Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and at-fault collisions will most likely raise your premiums, but is Rockford Mutual or State Farm more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Rockford Mutual policyholders can expect their rates to go up an average of $50 per month if they get a ticket, while State Farm typically raises premiums about $21 a month, on average.

If you have a clean record, Rockford Mutual tends to offer the best prices at around 10% cheaper, while State Farm has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Rockford Mutual policyholders who get in an accident can expect to see their rates rise by just under 25%, while those who have insurance through State Farm will see about a 20% increase.

Overall, Rockford Mutual offers the most affordable prices for drivers with an at-fault accident on their records, with monthly premiums averaging $158 compared to State Farm's $163.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your insurance bill. For example, Rockford Mutual increases average rates by over $100 per month -- that's just under a 50% increase.

How does Credit Score Impact Rockford Mutual and State Farm Rates?

You may not have known, but your credit score can be used as one of the variables to calculate your monthly car insurance prices. This isn't always the case (for example, Michigan and Hawaii are two states that ban the practice entirely), but it will come into play for several drivers.

Insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the cheapest premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Rockford Mutual or State Farm Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a large impact on your monthly rates? Generally, the more miles you put on your vehicle, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Rockford Mutual charges. However, there's a small difference in monthly premiums for State Farm, with policyholders who drive the least paying around $13 less each month compared to those who drive 12,000 miles yearly. Still, State Farm is the more affordable option for drivers in both categories.

Rockford Mutual vs. State Farm: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a pretty big impact as well. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Looking at these carriers side-by-side, State Farm boasts the lowest average prices in rural and urban areas, while Rockford Mutual wins in suburban areas.

In urban areas, State Farm's average rates are about $48 less than Rockford Mutual Insurance Company. Drivers in suburban ZIP codes pay around $30 less with Rockford Mutual compared to State Farm. If you live in a rural area, you can expect to save about $17 with State Farm compared to Rockford Mutual.

Rockford Mutual vs. State Farm Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many auto insurance discounts as you can.

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the table below, we've taken a look at all of the different discounts Rockford Mutual and State Farm offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

State Farm blows Rockford Mutual away when it comes to the sheer amount of discounts available, offering 23 different discounts to Rockford Mutual's eight.

A couple of those are overlapping for things like discounts for being a good driver, discounts for being a good student, and multi-policy discounts. State Farm also offers ABS discounts, annual mileage discounts, distant student discounts, and more that Rockford Mutual does not.

Rockford Mutual's discounts come through just a few categories, including Anti-Theft, Defensive Driver, Good Driving, and more.

Final Thoughts: Is Rockford Mutual or State Farm Best for You?

So, you've seen how different factors can affect your car insurance prices. We've shown you all the discounts each company offers, too. That's all well and good, but at the end of the day, is Rockford Mutual or State Farm the best company for you and your specific driver profile?

State Farm might be best for you if....

• You're single and purchasing insurance by yourself.
• Your credit score is high.
• You are over 65 years old and want to save some money on your car insurance.

Rockford Mutual might be best for you if...

• You have a clean driving record, free of accidents, tickets, or DUIs.
• You want basic auto insurance coverage at the state minimum limits.
• You're married and plan to have both of your names on the vehicle's insurance policy.

We hope this guide has ben a valuable resource as you compare Rockford Mutual and State Farm. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Rockford Mutual and State Farm. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Rockford Mutual vs. State Farm FAQs

Is Rockford Mutual or State Farm cheaper?

Looking just at the national average premiums, State Farm is the less expensive of the two companies, offering average rates of $158 a month compared to $169 for Rockford Mutual. Even so, State Farm won't necessarily be the most affordable carrier for every policyholder, since there are a range of different variables that are considered when it comes to your auto insurance cost.

Who is better, Rockford Mutual or State Farm?

Unfortunately, the only answer we can give you is "it depends.". No one company is necessarily "better" for each driver -- it all depends on the makeup of your unique insurance profile.

Why do Rockford Mutual and State Farm offer me different rates?

Car insurance carriers take a look at lots of different factors when calculating the rates they charge drivers. Variables such as your driving record, where your home is, age, gender, and sometimes even things like your credit score can all be used. Both Rockford Mutual and State Farm calculate premiums differently, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Rockford Mutual or State Farm is right for me?

The only way to find the insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Rockford Mutual or State Farm at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.